Side-by-side · Q2 2026 data
First National Community Bank vs Epb Employees Credit Union
Credit union
Epb Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First National Community Bank | Epb Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 48 |
| Capital cushion | 79 (stronger) | 66 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 96 (stronger) | 43 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 45 |
| Peer percentile | 86th | 7th |
| Total assets | $754.7M | $43.3M |
| Deposits / shares | $653.2M | $38.5M |
| Capital ratio | 12.92% (stronger) | 11.63% |
| Problem loans | 0.43% (stronger) | 8.72% |
| Net charge-offs | -0.01% (stronger) | 0.31% |
| Return on assets | 1.90% (stronger) | 0.58% |
| Loans ÷ deposits | 81.6% | 41.1% (stronger) |
| Uninsured deposits | 28.2% | 0.8% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
First National Community Bank has the higher TellerScore (84 vs 48). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 5 and Epb Employees Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.